Business-purpose estimate
Model the payment before the paperwork.
Estimated monthly payment
$3,507- Amount financed
- $200,000
- Total interest
- $52,479
- Total paid
- $252,479
- 12-month payment total
- $42,080
View monthly amortization schedule
Principal and interest use the same equal-monthly-payment assumptions shown above. The final payment can vary by a few cents because each row is rounded to cents.
Approved partner pathways are not enabled. You can still calculate, compare, print, and share this estimate without starting an application.
Check partner pathway statusIllustrative comparison
See what a transparent provider comparison will include.
| Fictional provider and path | Best fit | Purchase channel | Equipment scope | Illustrative amount | Structure to verify |
|---|---|---|---|---|---|
| Field Term FinanceStandard equipment term | Established operations buying a defined machine for ongoing business use. | Dealer / Private seller | New or used titled equipment | $25,000–$500,000 | Equal monthly payments |
| Harvest Flex CapitalSeasonal payment structure | Operations that need payment timing evaluated against a seasonal revenue cycle. | Dealer / Auction | Production agriculture equipment | $50,000–$750,000 | Seasonal or annual review |
| Rural Equipment FundingUsed and private-party equipment | Buyers comparing an older machine or a transaction outside a captive program. | Private seller / Auction | Used equipment and attachments | $15,000–$350,000 | Monthly term with asset review |
Field Term FinanceStandard equipment term - Best fit
- Established operations buying a defined machine for ongoing business use.
- Purchase channel
- Dealer / Private seller
- Equipment scope
- New or used titled equipment
- Illustrative amount
- $25,000–$500,000
- Structure to verify
- Equal monthly payments
Harvest Flex CapitalSeasonal payment structure - Best fit
- Operations that need payment timing evaluated against a seasonal revenue cycle.
- Purchase channel
- Dealer / Auction
- Equipment scope
- Production agriculture equipment
- Illustrative amount
- $50,000–$750,000
- Structure to verify
- Seasonal or annual review
Rural Equipment FundingUsed and private-party equipment - Best fit
- Buyers comparing an older machine or a transaction outside a captive program.
- Purchase channel
- Private seller / Auction
- Equipment scope
- Used equipment and attachments
- Illustrative amount
- $15,000–$350,000
- Structure to verify
- Monthly term with asset review
01 · Complete package
Define what the negotiated price actually includes.
Record the combine, each header, header trailer, precision components, warranty or service items, delivery, and setup as separate lines. Then mark which items are included in the purchase agreement, paid in cash, traded, or expected to be financed if a provider allows it. The calculator’s equipment-price field should represent only the amount you intend to model—not an assumption that every related cost can be financed.
02 · Harvest readiness
A payment estimate does not price downtime or repairs.
Keep the financing model separate from a mechanical and operational review. Inspection, known repairs, transport, setup, operator familiarity, parts access, and the date the machine must be field-ready can change the real cash plan even when the purchase price is fixed. A provider’s equipment criteria are not evidence that the combine is ready for your crop or harvest window.
03 · Trade position
Use net trade equity—not the headline allowance.
If a balance remains on the traded machine, subtract the expected payoff from the trade allowance before entering the amount that reduces the new purchase. Keep additional cash down separate in your working notes so the modeled payment does not hide how much operating liquidity the transaction consumes.
04 · Time and payment schedule
Compare the same package before changing the calendar.
Hold price, equity, tax, and rate constant while comparing terms. A longer term can reduce the equal monthly estimate while increasing modeled total interest and the time a balance remains on the machine. This calculator uses monthly payments; ask each provider whether it offers a different schedule and compare its official payment schedule and total repayment information—not only the periodic amount.
Compare the same combine package across five monthly terms →05 · Used combine review
Put machine facts beside the financing facts.
Record model year, engine and separator hours, maintenance records, included headers, known repairs, wear observations, tire or track condition, seller type, and lien or payoff status where relevant. Use a qualified inspection to evaluate the machine. The calculator measures an amortized payment only; it does not assess condition, value, remaining life, or repair risk.
Review the complete used-equipment checklist →06 · Quote comparison
Ask questions that keep two offers comparable.
- Which combine, headers, accessories, delivery, or setup items are included?
- What cash is due, and how is trade equity and any payoff handled?
- What rate, term, fees, first-payment date, and payment schedule apply?
- Are there machine-age, hour, seller, inspection, appraisal, or insurance requirements?
- What are the payoff, prepayment, replacement, and collateral-release terms?